Algonac vs Clay Township: property taxes compared
Clay Township is the cheaper of the two. Its lowest homestead rate is 25.2550 mills against Algonac's 37.2823 — about $2,105 a year less on a $350,000 home at the uncapped taxable value.
Side by side
| Municipality | Homestead mills | County rank | $250,000 | $350,000 | $500,000 |
|---|---|---|---|---|---|
| Clay Township | 25.2550 | 10 of 31 | $3,157 | $4,420 | $6,314 |
| Algonac | 37.2823 | 24 of 31 | $4,660 | $6,524 | $9,321 |
Dollar columns are the annual homestead bill at the uncapped taxable value — roughly half the purchase price. Multi-district cities show their full rate range; the rank and dollar figures use each city's lowest district.
Same schools, different bill
These two municipalities share 1 school district. A school district is not a taxing unit — the city millage stacks on top — so the same classrooms can cost a different amount per year depending on which side of the municipal line the house sits.
| Shared district | Algonac | Clay Township | Gap on $350k |
|---|---|---|---|
| Algonac Community School District | 37.2823 | 25.2550 | $2,105/yr |
What the difference costs over time
Held for 10 years, that gap compounds to $21,048 at today's rates on a $350,000 home — before any millage change. At $250,000 the annual difference is $1,503; at $500,000 it is $3,007. The gap scales with price, so it matters more at the top of each city's market than at the bottom.
Neither city splits across districts at different rates, so an address anywhere in Algonac pays the 37.2823-mill homestead rate and anywhere in Clay Township pays 25.2550. The comparison above is the whole story.
All figures use each city's lowest homestead rate at the uncapped taxable value — roughly half the purchase price — from the Michigan Department of Treasury's 2025 Total Rates report. A non-homestead property adds about 18 mills on top in either city.
Common questions
Is Algonac or Clay Township cheaper for property taxes?
Clay Township is the cheaper of the two. Its lowest homestead rate is 25.2550 mills against Algonac's 37.2823 — about $2,105 a year less on a $350,000 home at the uncapped taxable value.
How much more are property taxes in Algonac than Clay Township?
About $2,105 a year on a $350,000 home — 37.2823 mills versus 25.2550 at each city's lowest homestead rate, using the official 2025 Michigan Treasury millage report.
Do Algonac and Clay Township share any school districts?
Yes — Algonac Community School District. The rate still differs across the municipal line because city millage stacks on top of the school levy, so the same district can cost more in one city than the other.
Will my bill match what the listing shows?
Usually not, in either city. Michigan taxable value uncaps the year after a sale and resets to roughly half the purchase price, so the seller's capped bill on the listing is almost always lower than what you will pay.